Seniors Term Life Insurance -usercontent.com

KEY FACTS

Seniors Term Life Insurance

Key Facts and Policy Terms and Conditions

Welcome to British Seniors

We understand that getting protection for your loved ones is a priority for you. By choosing a British Seniors Term Life Insurance policy you have taken a step towards helping your family with any final costs.

With our British Seniors Term Life Insurance you'll be protected 24 hours a day, 7 days a week anywhere in the world. The high level of cover offered on this policy can not only be used to provide your family with support but can also allow you to leave behind a gift for those you care about most.

Plus, our friendly and experienced agents are based in the UK at our Feefo 2021 Platinum Trusted Service call centre, giving you the very best in customer service.

British Seniors Term Life Insurance is provided by AIG Life Limited (AIG). AIG is the life insurance arm in the UK of American International Group, inc. - a leading global insurance organisation with 100 years of experience. So, you can be confident knowing that your policy is backed by a respected and secure organisation.

Rest assured you're in safe hands.

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KEY FACTS

About this document

This document will help you understand the main considerations that you need to think about when deciding whether British Seniors Term Life Insurance is right for you.

The document is split into two parts:

1. The `Key Facts' section which provides you with a summary of your policy; and

2. The `Policy Terms and Conditions' which contains the full details of your policy, including what is covered and what is not covered.

Your Policy Terms and Conditions, policy schedule and statement of fact together

make up your contract with AIG Life Limited. If there's anything that isn't clear or you have any questions, please call us on 0800 542 7618.

The language we use in this document

Some words or expressions used in this document have a special meaning. They will appear in bold font, and their meaning is explained in the Glossary section on page 22.

`We', `us' or `our' means British Seniors Insurance Agency. References to `you' and `your' mean the policy holder.

Please keep this document in a safe place for future reference.

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Contents

KEY FACTS

POLICY TERMS AND CONDITIONS

About us

7

Who provides British Seniors Term

Life Insurance?

7

Who is the Financial Conduct Authority?

7

Which service will British Seniors

provide you with?

7

What is British Seniors Term Life Insurance? 8

Who can take out cover?

8

What is covered?

8

What is the Increasing Benefit Option?

8

What is not covered?

8

How much does cover cost?

9

When does cover end?

9

General Information

9

What is my responsibility under the policy?

9

What are the things to consider?

9

How do I cancel the policy?

10

How to make a claim?

10

How do I make a complaint?

10

What is the Financial Services Compensation

Scheme (FSCS)?

10

A Important information about your policy 12

1. The providers of your policy

12

2. Your Policy Terms and Conditions document 12

B British Seniors Term Life Insurance Cover 13

1. Eligibility

13

2. What is covered

13

3. Amount of cover

13

4. What is not covered

13

5. Cover start and end dates

13

C General conditions and information about your policy14

1. Premium payments

14

2. Increasing Benefit Option 14

3. Missed premium payments

15

4. Changing your insurance

15

5. Annual review of cover

16

6. Multiple policies

16

7. Governing Law

17

8. Data protection notice

17

9. Accuracy of information

18

10. How to make a claim 18

11. Support during a claim

19

12. Cancellation rights

20

13. Complaints procedure

20

14. Financial Services Compensation Scheme

(FSCS)

20

Glossary22

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